| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF OREGON | 601 SW 2ND AVE, STE 1200 PORTLAND, OR 97204 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $129K | $4K | $132K | 4.13% |
| BROWN & BROWN INSURANCE SERVICES3 | 601 S.W. SECOND AVENUE PORTLAND, OR 97204 | AMERITAS LIFE INSURANCE CORPORATION | $57K | — | $57K | 20.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORPORATION | — | $8K | $8K | 2.76% |
| BROWN & BROWN INSURANCE SERVICES3 | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 7.38% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 7.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OR INSURANCE SERVICES | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $615 | $8K | 16.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 7.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $434 | — | $434 | 1.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OR OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | WILLAMETTE DENTAL INSURANCE, INC. | $1K | — | $1K | 5.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 395 | $3.2M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 596 | $310K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 596 | $287K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $152K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $152K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.